What is your age and asset allocation ?

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chw
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Re: What is your age and asset allocation ?

Post by chw »

Couple 61 & 63, retired, 60/40, stocks/bonds, and plan to stay that way for the foreseeable future.
friar1610
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Location: MA South Shore

Re: What is your age and asset allocation ?

Post by friar1610 »

75/73, retired w/pension + SS

48 equity/49 fixed/3 cash

In addition, we have a deferred retirement annuity that we consider a future income stream rather than a portfolio asset. If we were to include that as FI in AA we'd be 42/55/3.
Friar1610
InvMoney
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Re: What is your age and asset allocation ?

Post by InvMoney »

Ages: 75 / 76
Retired: 19 Years
Portfolio Stock / Bond Allocation: 48% / 52%
Portfolio Investments: Two Vanguard Funds: 50% Balanced Index / 50% Wellesley Income
Last edited by InvMoney on Tue Sep 01, 2020 3:21 pm, edited 3 times in total.
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Hiwatter
Posts: 120
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Re: What is your age and asset allocation ?

Post by Hiwatter »

Age: 41

78% US Equities (mostly invested in Fidelity US Total Stock Market & Fidelity Growth Fund)

5% International Equities (Fidelity Total International Index)

10% Bond (Fidelity US Bond Index)

7% Cash

No debt, single-income with young family, $700K house paid off, I work in a volatile industry (Oil & Gas) as a contractor for one of the big operators.
trueblueky
Posts: 1925
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Re: What is your age and asset allocation ?

Post by trueblueky »

Retired, both 60s
60/40 with 1/3 of stocks international, so
40 US stock index, 20 international index, 40 US bond index

Within TSP, I use C + S about 3:1 to make total US stock index.

No plan to change.
pasadena
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Re: What is your age and asset allocation ?

Post by pasadena »

wannalearn wrote: Tue Sep 01, 2020 1:08 pm
pasadena wrote: Tue Sep 01, 2020 12:59 pm 46.

Retirement: 64% US equities / 16% International equities / 20% US Bonds
Non-retirement: 56% US equities / 14% International equities / 30% US Bonds (in process of moving there from 48/12/40)
Play Money: 5% individual stocks (currently sitting at 8%, oops, I should probably take some profits)
According to everything I am reading on this website... and given that we are similar age.
We are suppose to try and hold our bonds in our retirement and our equities in our non-retirement.
I have found that to be very hard to do for many reasons, and it seems.. you have as well.
I'm not talking about retirement and non-retirement accounts, but buckets. A lot of people see all of their money as one bucket, but I don't - I have two, with different goals, different time horizons, and so different asset allocations.

My "Retirement" bucket is comprised of my 401(k), one Roth IRA (mega backdoor), and my HSA at Fidelity. These 3 accounts have the same funds, each with the same allocation, for simplicity. AA is 80/20 with a time horizon of 14+ years and a draw-down across another 40 years after that (hopefully :))

My "non-retirement" bucket, which started as my "downpayment" bucket, is comprised of my brokerage account, and another Roth IRA (backdoor), both at Vanguard. Money in these is distributed a little differently. I used to have 100% bonds in the Roth, and all my stocks + overfill of bonds in brokerage. I changed my mind about that about a year ago and I'm now trying to even things out as much as I can, by selling stocks in brokerage and buying them in my Roth whenever they're down, which has only happened once so far :D. AA is 70/30 (used to be 60/40) with an undetermined time horizon between 5 and 15 years. Or more.
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LilyFleur
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Re: What is your age and asset allocation ?

Post by LilyFleur »

60, retired, no debt but VHCOL area, modest pension w/ COLA
50% stock/20% bonds/30% cash
I am uncomfortable at this low level of risk; at the next dip, I will probably rebalance to 60% stock.
Last edited by LilyFleur on Tue Sep 01, 2020 8:08 pm, edited 1 time in total.
Themiscyra
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Re: What is your age and asset allocation ?

Post by Themiscyra »

Age 44

FIXED: Age - 10. 34% combo of CDs, Int term Muni bonds, stable value fund, small TIPS.

EQUITY: 66% STOCK. (65% VTSAX, 20% INTERNATIONAL, 5% REIT, 9.5% SMALL CAP Blend, and 0.5% ARKK and BTC).
NancyABQ
Posts: 314
Joined: Thu Aug 18, 2016 3:37 pm

Re: What is your age and asset allocation ?

Post by NancyABQ »

Age: 58
Working part time and could retire at any time.

AA: 55/45
I have some international equity, but don't really track it separately. 10-15%?
Steve K
Posts: 59
Joined: Fri Sep 03, 2010 2:55 pm

Re: What is your age and asset allocation ?

Post by Steve K »

Couple 60 and 56, 35/65 equity/fixed. Meets our risk needs.
life in slices
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Re: What is your age and asset allocation ?

Post by life in slices »

52/51

At least 10 years from retiring

70% Equities (70% US/30% International)
30% Bonds
boglenomics
Posts: 50
Joined: Fri Jan 18, 2019 5:37 pm

Re: What is your age and asset allocation ?

Post by boglenomics »

Age: 23
63% Total U.S. Stock Market
27% Total International Index
10% Total U.S. Bond Market
dcabler
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Re: What is your age and asset allocation ?

Post by dcabler »

rkhusky wrote: Tue Sep 01, 2020 9:30 am
student wrote: Tue Sep 01, 2020 7:47 am
dcabler wrote: Tue Sep 01, 2020 7:01 am
student wrote: Tue Sep 01, 2020 6:59 am
rkhusky wrote: Tue Sep 01, 2020 6:28 am Currently, age+4 in bonds, but it's a static allocation and will slowly change. Doing a bond umbrella in early retirement.
What is a bond umbrella?
Sounds like a bond tent, but maybe it's rounded. :P
Thanks.
Yes, I meant bond tent. But bond umbrella works too. Wait, I meant something smaller than a tent. Yes, that's the ticket, it's smaller than a tent.
Well it could have been one of those dome-shaped tents. That works too....
BuyandHold37
Posts: 80
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Re: What is your age and asset allocation ?

Post by BuyandHold37 »

42 years old

Excluding primary residence,

64% of net worth is in timber land
22% of net worth is in investment accounts - growth equities (45%), growth ETFs (38%), growth mutual funds (17%)
13% of net worth is in hard assets
Jogger
Posts: 46
Joined: Tue Apr 28, 2020 9:45 pm

Re: What is your age and asset allocation ?

Post by Jogger »

Both age 59. DW retired, I may w*rk to 62. Moderately sized pension wo COLA. Feel with low rates TINA. Working on CD ladder, maybe a TIPS ring with 5 yrs auction in October.

69/31, of equities 44% US, 25% Int
Wanderingwheelz
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Re: What is your age and asset allocation ?

Post by Wanderingwheelz »

Kams1231 wrote: Tue Sep 01, 2020 2:14 pm Age 48. Plan to retire in 17 - 19 years.
Restructuring to go aggressive 90/10 for the next 5 to 7 years.
Restructuring? Where were you before you made the choice to floor it?
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tooluser
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Re: What is your age and asset allocation ?

Post by tooluser »

Age 54, 70/30 stocks/bonds for the foreseeable future. I will have a pension when I retire, and eventually social security.

Rationale: 80/20 feels too aggressive, 60/40 feels not aggressive enough. Also, given my odd pension that somewhat tracks the stock and bond markets, the 70/30 results in a likely maximum decrease in income of 25% if the stock market decreases 50%, which is tolerable to me. A higher bond allocation would result in a lower decrease in very bad years but would also sacrifice growth potential, which I believe is needed to help fight inflation.
cegibbs
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Re: What is your age and asset allocation ?

Post by cegibbs »

Retired and age 64.....asset allocation is 70/30.
Macbrother
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Re: What is your age and asset allocation ?

Post by Macbrother »

Age: 37

65% S&P, 30% International, 5% Bonds. I am also due for a pension (non-government) that's well funded (for now) of roughly $5k/mo upon retirement.
smalliebigs
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Re: What is your age and asset allocation ?

Post by smalliebigs »

33, 90% VTSAX, 10% VBTLX
kimura king
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Re: What is your age and asset allocation ?

Post by kimura king »

39 yo, 90/10.

I plan on going 70/30 around age 50 and keeping that AA.
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Artful Dodger
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Re: What is your age and asset allocation ?

Post by Artful Dodger »

Age 66 in a few hours / spouse 67.

33% domestic equity / of this 87% is in Fidelity Total Market Index & 13% in a mix of tech stocks - funds
14% int'l equity - 50% Fid Overseas Fund / 40% Fid Int'l Index / 10% Fid Emerging markets
3% GLD ETF
42% Bonds / of this 60% in Fid managed bond account - 5% bond index etf - 7% TIPS ETF - 28% whole life cash value
8% money market
4a757374696e
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Location: Austin, TX

Re: What is your age and asset allocation ?

Post by 4a757374696e »

I’m 25 with 100% equities. 50/50 domestic/international.
Don't do anything tomorrow that can be done today
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mickeyd
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Re: What is your age and asset allocation ?

Post by mickeyd »

Ages: 75/71

AA: 45/45/10
Part-Owner of Texas | | “The CMH-the Cost Matters Hypothesis -is all that is needed to explain why indexing must and will work… Yes, it is that simple.” John C. Bogle
student
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Re: What is your age and asset allocation ?

Post by student »

Artful Dodger wrote: Tue Sep 01, 2020 7:18 pm Age 66 in a few hours / spouse 67.

33% domestic equity / of this 87% is in Fidelity Total Market Index & 13% in a mix of tech stocks - funds
14% int'l equity - 50% Fid Overseas Fund / 40% Fid Int'l Index / 10% Fid Emerging markets
3% GLD ETF
42% Bonds / of this 60% in Fid managed bond account - 5% bond index etf - 7% TIPS ETF - 28% whole life cash value
8% money market
Happy Birthday!!!
ruhigste
Posts: 78
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Re: What is your age and asset allocation ?

Post by ruhigste »

I'm 70 and my wife is 65. Our AA is 40 % stocks, 58 % bonds and 2 % cash (emergency fund).
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grabiner
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Re: What is your age and asset allocation ?

Post by grabiner »

Age 52, 88% stock, with the risk of 100% stock because I overweight riskier stock (small-cap, value, emerging markets).
Last edited by grabiner on Wed Sep 02, 2020 6:04 pm, edited 1 time in total.
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cricket49
Posts: 247
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Re: What is your age and asset allocation ?

Post by cricket49 »

Age 65 and 60
Retired for 3 years

64% US Equities
11% Bonds
25% Cash
Expect the best. Prepare for the worst.
EverHopeful
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Re: What is your age and asset allocation ?

Post by EverHopeful »

Age: H 60 W 54
AA: 43% stocks/33%bonds/24%cash
High cash because husband lost job after 25y due to Covid, part of the 5k eliminated in his company. This came 10y earlier than planned. Rolled over his 401k, invested some but we're torn about needing to bridge until SS, (no pensions) and the cash provides security/ insurance but will invest half soon, by year-end, and get to ~55/35/10? He's having hard time finding work, I just started as a cashier and we have ACA health, all unexpected and unchartered territory. We're nervous about down market starting out in this early forced retirement. Thankful for no debt and very thankful for Bogleheads.
singledigit12b
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Re: What is your age and asset allocation ?

Post by singledigit12b »

60 single, retired 15 months
35/50/15 including cash for upcoming home purchase
renega
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Re: What is your age and asset allocation ?

Post by renega »

Still working, both 61 years old

51% equities, 45% fixed income, & 4% cash equivalents
A_Bond
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Re: What is your age and asset allocation ?

Post by A_Bond »

Age: 25
AA: 100% stocks
buy. hold. repeat.
retire2022
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Re: What is your age and asset allocation ?

Post by retire2022 »

age 60, still working, targeting retirement soon Dec 2020 Summer 2021 after vaccine?

cash 2%, equities 98%

AA 94/6, 118K is cash on 2,161 million portfolio

edit: Projected Pension 66K annually, and 70 SSA Full Retirement Age 38K annually, hence I can take an aggressive AA.
Last edited by retire2022 on Sat Dec 26, 2020 8:39 pm, edited 3 times in total.
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FiveK
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Re: What is your age and asset allocation ?

Post by FiveK »

Money_Badger
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Re: What is your age and asset allocation ?

Post by Money_Badger »

eye.surgeon wrote: Mon Aug 31, 2020 11:42 pm 51 yrs old, 78% equities 22% bonds. Retirement in 15-18 years. Basically I am following the Vanguard asset allocation for target date fund 2035-2040 but doing it myself. And yes your asset allocation is extremely conservative even for retirement.
I'm 50, my allocation is roughly the same as yours. The largest chunk is in VG TDF 2035 but I wanted it a bit more weighted to equity so I have some in a total market equity index fund. All investments going forward in my 401K are 75/25. I might revisit in 2 years to see where I am and if 70/30 is in order.
dewey
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Re: What is your age and asset allocation ?

Post by dewey »

71. 50% stock indexes. 50% fixed (48% bond indexes 2% cash)
“The only freedom that is of enduring importance is freedom of intelligence…” John Dewey
ponyboy
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Re: What is your age and asset allocation ?

Post by ponyboy »

37/36 years old. 83% stocks, 10% bonds, 7% cash
jpdion
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Re: What is your age and asset allocation ?

Post by jpdion »

Me 68/Wife 65 -- 55/40/5 Stocks/Bonds/Cash. All in "total market" index funds.
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ruralavalon
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Re: What is your age and asset allocation ?

Post by ruralavalon »

FiveK wrote: Tue Sep 01, 2020 11:12 pm See also Equity Glide Paths — Bogleheads versus Target Funds - Bogleheads.org for a similar discussion.
I hope that some statistician will analyze the data (n = ~ 138) in this current thread, to see how well it matches or doesn't match the prior studies.

My comments before were "useful information:
(1) The dispersion reminds me not to be doctrinaire about any formula for asset allocation. (There are too many important variables other than age. The core variable is personal comfort, not something that you can quantify); and
(2) The plot tells me that 100% equities is an outlier position for any age group.

I am glad you collected this data and analyzed it. Thank you."
"Everything should be as simple as it is, but not simpler." - Albert Einstein | Wiki article link:Getting Started
eer_no_evil
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Re: What is your age and asset allocation ?

Post by eer_no_evil »

33 years old.

80/20
Impatience
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Re: What is your age and asset allocation ?

Post by Impatience »

30.

About 1% cash, 99% 3x leveraged ETFs (broken into 60% equity 40% 20+ yr treasuries)
DSBH
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Re: What is your age and asset allocation ?

Post by DSBH »

I am wondering how much tax-efficient investment strategies are being followed by BHs, so mine: both 62, 60/40 portfolio AA.

40% of portfolio in Taxable: 30% total stock index, 10% total international index & emergency fund in short term bond.
55% in Tax deferred IRA: 15% total stock index, 40% total bond index.
5% in ROTH: 100% total stock index.
Last edited by DSBH on Wed Sep 02, 2020 11:55 am, edited 1 time in total.
John C. Bogle: "Never confuse genius with luck and a bull market".
sunshinenc
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Re: What is your age and asset allocation ?

Post by sunshinenc »

Age 40.

Total asset:
50% Stock
25% Cash/bond
25% Real estate
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dogagility
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Re: What is your age and asset allocation ?

Post by dogagility »

As a data person, I compiled the %equities across all of the people posting so far in this thread and made a graph. I don't have rights to post images on this site, otherwise I would share the graph.

Putting responses into different age buckets, here is the median percentage allocated to equities of each age group.

20-29: 90
30-39: 90
40-49: 73
50-59: 70
60-69: 53
70-79: 50
80-90: 40
Last edited by dogagility on Wed Sep 02, 2020 2:06 pm, edited 1 time in total.
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AstroJohn
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Re: What is your age and asset allocation ?

Post by AstroJohn »

An interesting series of posts. Out of curiosity, I've taken all the posted percentages, binned them by the stated age of the poster into decadal bins and plotted the resulting averages. On average, we Bogleheads seem to be consistently following a 120-Age equity distribution.

Image
jameskay
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Re: What is your age and asset allocation ?

Post by jameskay »

Ages: 52 and 48
Still working, but switched to less stressful, lower paid recently.

Overall AA: 50% equity, 50% fixed income

Roth: 100% equities (total stock market index)
Tax-Deferred Retirement: 80% bonds, 20% equities (total stock and bond index)
Taxable: 65% stocks, 35% fixed income (munis, ibonds, and CD)
529s: 10% stock, 90% bond
runner1
Posts: 6
Joined: Sat Aug 08, 2015 11:28 pm

Re: What is your age and asset allocation ?

Post by runner1 »

Age: 53

73% S&P 500 index
27% stable value (3.5% interest rate)

Additional points:
1. Cash (emergency fund) - 5% of net worth, not included in my asset allocation
2. My glide path - 50% of age in stable value - rebalance quarterly
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AllieTB1323
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Re: What is your age and asset allocation ?

Post by AllieTB1323 »

BestCoast123 wrote: Tue Sep 01, 2020 1:42 pm
AllieTB1323 wrote: Tue Sep 01, 2020 12:56 pm I'm 70, and DW is 68

Stocks: 54%
Bonds: 29%
Cash: 3%
RE Contracts: 14%
Would you consider expanding on your RE Contracts? If all goes well, I should have $25k to $50k in K-1 Passive Income in the next year or two, which I will shovel into passive real estate investments to generate some depreciation to defer the taxes. Assuming the RE Contracts are direct mortgages?
Nope, we have no urge to dabble in additional RE Contracts. We sold our privately held C-Corp to a key employee. We also sold him our personally owned real estate the business uses.
ohboy
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Re: What is your age and asset allocation ?

Post by ohboy »

Age: 33
AA: 100/0

100% Domestic equities/VFIAX
BestCoast123
Posts: 105
Joined: Fri Jul 17, 2020 4:45 pm

Re: What is your age and asset allocation ?

Post by BestCoast123 »

AllieTB1323 wrote: Wed Sep 02, 2020 3:11 pm
BestCoast123 wrote: Tue Sep 01, 2020 1:42 pm
AllieTB1323 wrote: Tue Sep 01, 2020 12:56 pm I'm 70, and DW is 68

Stocks: 54%
Bonds: 29%
Cash: 3%
RE Contracts: 14%
Would you consider expanding on your RE Contracts? If all goes well, I should have $25k to $50k in K-1 Passive Income in the next year or two, which I will shovel into passive real estate investments to generate some depreciation to defer the taxes. Assuming the RE Contracts are direct mortgages?
Nope, we have no urge to dabble in additional RE Contracts. We sold our privately held C-Corp to a key employee. We also sold him our personally owned real estate the business uses.
I was probably unclear. Sorry. Meant to say "what are the RE Contracts?" Private mortgages?
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